Working Capital

Working capital loans provide short-term funding to cover the everyday expenses of running a business.


Complete our online form or speak with a small business specialist at


We assess your business’s health and reach out to you with the best available funding options.


Receive funds in your account as soon as the same day, plus access to your online account.

What is Working Capital?

Working capital, also known as networking capital (NWC) is the money that businesses use to support day-to-day operations. As the difference between current operating assets and liabilities, working capital is a measure of a company’s liquidity, operational efficiency, financial health, and the ability to pay off its debts within a year.

What Can a Working Capital Loan Do For My Business?

Working capital loans are a perfect way for business owners who need flexible, short-term funding to grow their business without having to make tough decisions as to how they should allocate. With shorter payment periods and flexible usage, Dhanishta Inc. working capital solutions provide speed, simplicity, and versatility to meet the funding needs of small businesses. Funds are automatically deposited into your business bank account with repayments already set up, so you can focus on running your company.

Working Capital Loan Details

Minimum Qualifying Criteria

Working Capital Loans are available to businesses throughout the U.S. which meet certain criteria:

  • 500+ credit score
  • 6+ months in business
  • $15,000+ average
  • monthly bank deposits

Required Documentation

  • Signed business loan agreement
  • Business mortgage statement if you own; business lease agreement if you rent
  • Unexpired government-issued picture ID of all owners
  • Bank statements—most recent 3 months
  • For loans over $100,000 we require your most recent business tax return

Interest Rates and Fees

  • We aim to make both funding and payments intuitive, convenient, and easy to handle.
  • We present working capital pricing as a factor rate: Factor Rate = Payback Amount ÷ Funded Amount.
  • Origination fee: A one-time 2.5% of total loan amount set up fee is deducted from your proceeds.

Get started with us

Frequently Asked Questions